| Metric | Day-Met Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +3.9% | +7.1 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +7.8% | +2.9% | +4.9 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $136.3M | $122.5M | $108.4M | $12.0M | $98K | 0.29% | 3.44% | 0.76% | 7,822 |
| Q4 2025 | $136.7M | $120.3M | $110.1M | $11.9M | $2.1M | 1.53% | 3.40% | 0.66% | 7,946 |
| Q3 2025 | $136.4M | $118.7M | $112.8M | $11.8M | $2.0M | 1.92% | 3.28% | 0.46% | 8,337 |
| Q2 2025 | $133.8M | $119.7M | $110.4M | $11.2M | $1.8M | 2.63% | 3.15% | 0.52% | 8,721 |
| Q1 2025 | $122.8M | $112.2M | $100.5M | $10.6M | $67K | 0.22% | 3.24% | 0.58% | 7,404 |
| Q4 2024 | $122.7M | $112.3M | $99.8M | $10.6M | $393K | 0.32% | 2.97% | 0.65% | 7,321 |
| Q3 2024 | $119.8M | $109.6M | $98.0M | $10.4M | $158K | 0.18% | 2.95% | 0.48% | 7,467 |
| Q2 2024 | $121.6M | $111.7M | $96.6M | $10.4M | $120K | 0.20% | 2.90% |
| Ratio | Day-Met Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 7,496 |
Loan mix (Q1 2026): real estate $35.9M · commercial $13.9M · consumer $53.6M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Day-Met Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Day-Met Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Day-Met Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Day-Met Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.